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Claims

NORCAL is serious about protecting the reputations of our policyholders. We design our claims handling process and work with the best Claims Specialists and Defense Counsel across the country to do just that. Our team is always available to assist our policyholders whenever they need us most.

Our aggressive approach to claims handling includes:

  • Vigorous defense of non-meritorious claims
  • Reasonable settlement of meritorious claims, if feasible
  • Protection of the policyholder’s right to consent to settle¹
  • Defense costs outside of limits²
  • Multiple expert reviews, if appropriate
  • 87% of claims closed without indemnity payment*

Learn more by exploring the What to Report section.

¹ Subject to applicable laws governing consent to settle provisions, which may vary by state.

² For claims under the Information and Network Security Insurance endorsement, defense costs are included within the limits of its coverage.

* Formal (reserved) claims against insureds with NORCAL Mutual Insurance Company,
Medicus Insurance Company and FD Insurance Company in 2016.